Member Cellular Discounts with Sprint


































































































































































































Interested in Solar Energy?


Join the Midwest Renewable Energy Association for their Solar Pack POWER HOUR!


This FREE, 1-hour program, called a Power Hour, educates participants on the benefits of solar energy and demonstrates that solar power has never been cheaper or easier to install

The Power Hour details the:

•components of a solar photovoltaics (PV) system

•discusses market trends

•outlines the step-by-step process of evaluating the feasibility of PV for your home

•talks about the economic benefits

•reviews the list of approved local solar installers

•has a representative from Midwest Renewable Energy Association (MREA) to answer questions


Thursday September 18, 2014 

7:00 - 8:00 PM 

Lake Superior College, Room E2154

2101 Trinity Rd.
Duluth, MN 54811

Registration recommended


You’ll also receive information about low rate financing from NCCYou.


 Minnesota and Federal Solar Installation Incentives Available


Minnesota offers various tax, financing and rebate incentives for solar PV. The Federal Renewable Energy Tax Credit offers a 30% tax incentive on your solar PV installation. Visit the DSIRE website for solar policy information for details on all Minnesota incentives and the federal solar tax credit.


For more information, visit




Home Depot breach


September 9, 2014


On September 8th, Home Depot, the largest home improvement store in the United States confirmed that criminals infiltrated the computers systems of Home Depot stores in the U.S and Canada. It has been reported that while payment systems have been reported breached at this time there is no evidence that debit card PINs have been compromised. This is however, a preliminary report and further information as to what information has been compromised is not available.


Home Depot reports that its security teams are focusing on purchases made between April 2014 and September 2014. Home Depot reports that this breach affects nearly all of its 2266 stores.


The complete press release can be found here:


The reports of this breach are very recent and NCCYou has been researching what affect this breach may have on cardholders. Similiarly to the August breach report from SuperValu, we are already taking action to discover how many members may possibly be affected. NCCYou is, once more, working with our card processor to determine the scope of this issue. Again we are not advising the immediate cancellation of debit and/or credit cards. Once the scope of this breach is clear, members who hold a card that has been identified as at risk will be notified and those affected cards will be re-issued.




Save BIG and shop conveniently with AutoSMART 


We've got low rates on new and used auto loans as well as sports vehicle loans! Get rates as low as 3.20%APR with extra discounts available. See us for more savings and details! Call us at 279-3200 today!


Use the AutoSMART buttons on our site to search for a specific vehicle or browse inventory of dealers near you! You can also compare deals, sell your vehicle, and fill out your application online. You have everything you need at the click of a button.


APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions. All loans subject to approval. See Loan Officer for details.




ATM Network to Conduct Disaster Recovery Exercise


On Tuesday, September 16, the MoneyPass Network will conduct a disaster recovery exercise. MoneyPass participants may experience intermittent denials between 1:00 a.m. and 5:00 a.m. CT.



If you have questions, please feel free to contact MoneyPass Support at 855.866.PASS 




Supervalu stores breach


On August 14th, SuperValu stores, the parent company of Cub Foods, notified the public of a criminal intrusion at some of its owned and franchised stores. This intrusion may have resulted in the theft of debit and/or credit card numbers, expiration dates and other numerical information, possibly also including the card holder's name.


SuperValu believes that this breach occurred between June 22nd and July 17th at over 180 stores, one of which is the Cub Foods located in Duluth, MN. The complete press release can be found here and a complete list of the affected stores can be found here


NCCYou has not yet heard if any of our card holders have been compromised. However, we are already taking action to discover how many may possibly be affected. NCCYou is also working with our card processor to determine the scope of this issue. At this time we are not advising the immediate cancellation of debit and/or credit cards. Once the scope of the breach at SuperValu is clear, members who hold a card that has been identified as at risk will be notified and those affected cards will be re-issued.




    Leased Land Mortgages


    St. Louis County is offering land for sale on a number of area lakes that it had previously leased to homeowners and property owners. If you own a home on this type of land, would like to build on this type of land, or would like to refinance existing property or buy County leased land, NCCYou can help!  We now offer a variety of mortgages on St. Louis County leased land, as well as bare land loans. Call Koby Myer at 218-279-3200 Ext. 237 for more information or to set up an appointment today!



    Now Open In The Shops At Bluestone!


    NCCYou is happy to announce that we are now open in The Shops at Bluestone on Woodland Ave. in Duluth! This branch features full service, state-of-the-art ATMs which are available 24/7, and Caysee, our Loan Officer, is available during the week to help members with lending questions and opening new accounts! Stop in and see the new branch today!




    IDGuard Checking with IDProtect®


    NCCYou is proud to offer IDGuard Checking, a new kind of checking account with the identity theft protection product IDProtect®. This new checking account still has all the same great services you currently receive - no minimum balance requirement, unlimited check writing/debit card transactions, free call 24, free ATM/debit card, free online banking and bill pay, free e-statements, free mobile banking with remote deposit capture - but you receive a comprehensive identity protection service for you and your family for just $2.95 a month! With questions or concerns, call 279-3200.


    To access and activate your IDProtect account, go to, choose "Register" and use the access code NCCYou provided through your IDGuard Checking notification letter. If you do not know the access code, please call us at (218) 279-3200. You may also call IDProtect at 1-877-610-7889 with any questions about accessing your profile and monitoring your identity.


    Still unsure?

    Read here why IDProtect might be one of the best products NCCYou has ever offered the membership.




    Serve on Our Supervisory Committee


    We currently have an opening on our Supervisory Committee! If you are interested in serving or would like to know more about the position, please call us at 279-3200. To view our current Board of Directors and Supervisory Committee, click here.

    Click here to learn more about NCCYou e-Statements!

    And while you're at it, check out our new mobile banking app for Apple and Android devices!  Simply go to the Apple Store or Google Play store and search for NCCYou!